16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00208

Submission Number:
545091-00208
Commenter:
Mora
State:
MD
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

I have been receiving free credit reports over the internet for a number of years. At first, it was a much welcomed method. The reports were available quickly, without waiting for them to be mailed. However, it seems like it is getting more and more difficult to navigate the barrage of confusing pages and links to obtain my free credit report and nothing else. The confusion starts on the AnnualCreditReport.com website itself. The inclusion of links, prominently displayed, to the 3 reporting agencies that do not allow access to the free report is confusing. When you only access the site a few times a year, it is difficult to remember to avoid the sizeable logos and the temptation to immediately click on the name of the company from which you are attempting to get the free report. I understand that the reporting agencies are sponsoring the site, however it would be more in the consumer's best interests to either remove the hyper link from the logo or note the sponsorship by a text statement, again without an underlying link to the company sites. NOBODY goes to the AnnualCreditReport.com website in order to navigate to a credit reporting agency website to BUY a credit product. It needs to be free and less confusing to obtain. Otherwise, I may resort to accessing my free reports via the phone. Once the initial website is successfully navigated, the confusion continues as myriad products are displayed on the credit reporting agency site. I shouldn't have to turn down several offers to purchase credit products before I am able to access my report. Cut out the offers. Again, NOBODY goes to the AnnualCreditReport.com website in order to navigate to a credit reporting agency website to BUY a credit product.